Documents Required To Buy A New Car In India

After a lot of research and deliberation, you finally decide on the car you want to buy. Once you seal the agreement with the car dealership, the next step would be the registration and insurance procedures. The paperwork involved in the process of registering the car can be intimidating. We have listed the processes and documents here for your reference and ease of understanding.

Booking The Car:

When you book the vehicle, it is important to ensure that the person taking the loan gets the car registered in his/her name. If you do not adhere to this, you may face trouble at the time of registration. The documents required for booking the car are as follows:

  1. Proof of nationality - Voter ID, school certificates, or passport
  2. ID proof - Driving license, PAN Card, Passport, or Aadhaar
  3. Address proof - Electricity bill of the customer, house purchase agreement, ration card, or rent agreement (if applicable)

You should remember to get all details in writing, including the delivery date of the vehicle, price, add-ons, accessories, and discounts availed. The down-payment made and the on-road price of the car should also be recorded in writing. Ensure that you are aware of the processes involved in situations like delay in car delivery or cancellation of booking. Also, make sure that you have all the relevant receipts, temporary Registration Certificate, PUC Certificate, owner’s manual, warranty cards, and roadside assistance number.

Car Insurance Formalities:

Before we get to the documentation required for registering the vehicle, let us take a look at the process for narrowing down on a suitable insurance policy for your car. You should ideally compare car insurance between providers before you actually buy the car. Buying insurance from the dealership is not always the best solution as far as cost-effectiveness of the policy is concerned.

You should be aware of the fact that it takes only a few minutes to buy insurance online. Online policies are also cheaper and easy to maintain, and these offer greater security to the buyer. Additionally, it is possible to refer to these policies whenever required - all you need is an internet connection. The chances of misplacing the documents are minimised considerably as well.

The car insurance policy documentation is required for the registration of the vehicle. So, keep this ready in order to ensure a smooth registration process.

Documents Required For Vehicle Registration:

After the purchase of a new vehicle, the owner must get the car registered within 7 days from the delivery date. This is mandated by Section 39 of the Motor Vehicle Act, 1988. The documents required to apply for the registration of the car are:

  1. Updated Form 20 - This is the application for the registration of a motor vehicle. A duplicate of this form with the Registering Authority’s endorsement should be returned to the financing bank at the same time
  2. Form 21 - This is the sale certificate that will be issued by the dealer or car manufacturer
  3. Form 22 - This is also referred to as the road-worthiness certificate and is provided by the vehicle manufacturer. The dealer will hand it over to the car owner when the vehicle is delivered
  4. Attested copy of the valid insurance policy
  5. Identity proof of the car owner
  6. The owner’s proof of residence
  7. PAN Card, Form 60, or Form 61, whichever is applicable
  8. In case the vehicle was imported, the customs clearance certificate will have to be enclosed along with the application
  9. Challan receipt
  10. Affidavit on a non-judicial stamp paper worth Rs.3
  11. Chassis pencil print

In case the vehicle is under a loan, Form 34 should be signed by the financing bank and the car owner and submitted. The applicant should also pay the applicable road tax and prescribed fee. In certain cases, the fitness certificate of the vehicle will have to be submitted.

Documents Required For Vehicle Re-Registration When Transferred Between States:

The documents needed to re-register a vehicle when it is brought from one state to another are as follows:

  1. The original state registration certificate
  2. Duplicate copy of Form 28 (NOC)
  3. Form 27 - This is related to tax
  4. Form 20
  5. An attested copy of the car owner’s address proof
  6. An attested copy of the car’s valid insurance
  7. An attested copy of the Pollution Under Control certificate
  8. For commercial vehicles the fitness certificate is needed
  9. PAN Card, Form 60, or Form 61, as applicable

The road tax and the registration fee should be paid by the applicant. In some states, it is necessary to get clearance from the National Crime Record Bureau for re-registration of the car. The Transport Department will arrange for the Clearance Certificate.

If the vehicle is bought through a loan, it can be endorsed in the RC. The documents for the same are as follows:

  1. Original registration certificate
  2. Two copies of Form 34 filled in
  3. An attested copy of the valid insurance policy
  4. The address proof of the owner of the vehicle, attested
  5. The PUC certificate, attested
  6. Attested PAN Card copy, Form 60, or Form 61

The prescribed fee for the process should also be paid by the applicant.

In case the vehicle is bought through a loan that is later repaid, this can be endorsed in the RC by submitting the documents mentioned below:

  1. Original registration certificate
  2. Two updated copies of Form 35
  3. A certificate from the financing bank stating that all dues have been paid
  4. Valid insurance copy, attested
  5. Address proof of the registered owner of the vehicle, attested
  6. PUC certificate, attested
  7. Attested copy of the owner’s PAN Card, Form 60, Form 61, as applicable
  8. NOC from the financing bank

The prescribed fee also needs to be paid.

Process For Obtaining Noc When The Car Is Transferred To Another State:

If the owner of the vehicle takes it to another state, the vehicle will have to be re-registered there. The NOC can be applied for through the completion of the following formalities:

  1. Application to be submitted on Form 28 - 4 copies
  2. Copy of the RC, attested
  3. Road tax payment evidence
  4. Certificate from the tax collection authority indicating that there are no tax dues
  5. Valid insurance and PUC certificate
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Car Insurance Reviews

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  • Bajaj Allianz Car Insurance
    " ."
    0.5 3.5/5 "Pretty good"
    I got the car insurance through dealer with Bajaj Allianz. The claim process was good and they do settlements directly with the dealer. I did not face any troubles in getting the claims. It was a first party insurance and had Nissan. I was associated with this insurer for only 3 to 4months.
    Was this review helpful? 0
    , gurgaon
    Reviewed on Jul 20, 2019
  • New India
    New India Car Insurance
    "Good in claim settlement"
    0.5 5.0/5 "Blown Away!"
    Last year I met with an accident, they done it very well. My car front bumper and radiator was damaged, I got the cash less garages the just taken one week of time to reflect the issue. I paid the premium of 11,000 for zero depreciation plan its fully covered.
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    , ghaziabad
    Reviewed on Jul 19, 2019
  • ICICI Lombard Car Insurance
    "Premium should be reduced"
    0.5 5.0/5 "Blown Away!"
    I took car policy from ICICI Lombard, the policy cost is bit higher compared to others. I paid premium around Rs. 18,000 for one year comprehensive plan. It would be great if they reduced the cost of the premium so that many customer can avail their service.
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    , noida
    Reviewed on Jul 19, 2019
  • New India Car Insurance
    "Needs improvement on the claim process"
    0.5 4.0/5 "Great!"
    I had chosen New India Assurance for my car insurance because I know a employee so I get some waiver off on the premium. I had claims on my previous car and the experience was not good. They need to improve on the benefits because I need to pay first for the cliam process then they send a cheque after 1 or 1.5 months that too after analyzing. I get 80% and sometimes 85% of the claim.
    Was this review helpful? 0
    , gurgaon
    Reviewed on Jul 19, 2019
  • New India Car Insurance
    "Good Experience"
    0.5 5.0/5 "Blown Away!"
    I purchased zero depreciation car insurance with New India Assurance, the cost is reasonable. Last year I paid the premium of Rs. 14,000 for one year policy its for four years old car. They got tie up with many service centers, the service is good I can reach at any time.
    Was this review helpful? 0
    , mumbai
    Reviewed on Jul 18, 2019
  • Royal Sundaram Car Insurance
    "Useful Policy"
    0.5 5.0/5 "Blown Away!"
    My agency people where i took the car, they have proposed the policy from Royal Sundaram. I paid the premium amount of Rs. 13K nearly. My claim experience is very good and they have processed the claim within 1 day and its a 100% covered policy and i didn't pay anything from my pocket.
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    , coimbatore
    Reviewed on Jul 18, 2019
  • United India Car Insurance
    "For new car, don't go for it"
    0.5 4.0/5 "Great!"
    The amount they are charging is less thats the reason i opted the car insurance policy from united India. I pay the premium amount of Rs. 2500. This is a third party insurance policy. Through consultancy, i used to renew my policy. I have not applied for any claim so far.
    Was this review helpful? 0
    , bangalore
    Reviewed on Jul 16, 2019
  • HDFC Ergo Car Insurance
    "Whichever policy, Go for Zero dept"
    0.5 4.0/5 "Great!"
    My car insurance policy was with HDFC ergo because it was recommended by my dealer. I had claim experience and it was cashless and good. I did not pay anything from my pocket within 3 days, they have processed the claim and handed over my vehicle. It was a zero depreciation policy.
    Was this review helpful? 0
    , greater noida
    Reviewed on Jul 15, 2019
  • ICICI Lombard Car Insurance
    "Good policy "
    0.5 3.0/5 "Satisfactory"
    Every time, i used to visit their showroom to renew my car insurance policy. I'm receiving the no claim bonus. This is a bumper to bumper covered policy. I pay the premium amount of Rs. 10000 and I'm not sure about the IDV value. They are providing the hard copy of the documents immediately. I do not have any claim experience.
    Was this review helpful? 0
    , greater noida
    Reviewed on Jul 15, 2019
  • HDFC Ergo Car Insurance
    "Good"
    0.5 4.0/5 "Great!"
    HDFC ERGO GENERAL INSURANCE is the company where I have taken the car insurance policy for life time policy, the premium amount is nominal I use to yearly basis. I use to do payment through an online. Their service is good. They used to process the claim as soon as possible and they will take care of the claim.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Jul 13, 2019
  • Royal Sundaram Car Insurance
    "Should be transparent"
    0.5 1.0/5 "Really Bad"
    I met with an accident, I had to get it claim because I have Royal Sundaram car policy it was bumper to bumper at the time of enrollment they said its fully covered. But when I went for the claim, the insurer said car engine was not covered. Then I fought with Royal sundaram Insurance company. They quoted 1.40 lakh claim value and they made me to pay Rs. 70,000 from my end. However the additional cost of engine protection is just around Rs. 400 but I paid the premium of Rs. 20,000. I am very disappointed with them because they are not transparent. So I suggest to all, before going policy make sure whether its fully covered.
    Was this review helpful? 0
    , chennai
    Reviewed on Jul 13, 2019
  • Royal Sundaram Car Insurance
    "Policy not up to the mark"
    0.5 3.5/5 "Pretty good"
    The policy was overall good but end of the day i was not satisfied with the policy. When i purchase the policy, they said its a zero depreciation policy and its nil dept. But when i applied the claim, they have given me a claim only for 50%. In that, my car steering was not covered, Some engine parts and bumper was not covered.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Jul 13, 2019
  • New India Car Insurance
    "GOOD"
    0.5 4.0/5 "Great!"
    I have bee using the car insurance policy with NEW INDIA ASSURANCE where the customer support is prompt by giving the information regrading the policy expiry date. I had no claim also the IDV value is good provided with the insurance policy.
    Was this review helpful? 0
    , mumbai
    Reviewed on Jul 10, 2019
  • ICICI Lombard Car Insurance
    "GOOD"
    0.5 4.0/5 "Great!"
    I have purchased the two wheeler insurance policy with the ICICI LOMBARD GENERAL INSURANCE where i had no claim experience with the policy. The premium paid was nominal also the IDV value is good with the policy. The service is good with the policy.
    Was this review helpful? 0
    , bangalore
    Reviewed on Jul 10, 2019
  • National Insurance Car Insurance
    "Good Claim Experience"
    0.5 4.0/5 "Great!"
    I believe the premium is lesser for National Insurance car policy and they have good claim ratio when compared to private sector but the service needs to be improved. I done a claim there a small damage within a week time they came and took the details and within 15 days I got the reimbursement. I paid last premium of Rs. 10,461 for my Maruthi Baleno car.
    Was this review helpful? 0
    , pune
    Reviewed on Jul 09, 2019
  • Oriental Insurance Car Insurance
    "GOOD"
    0.5 4.0/5 "Great!"
    I am using the policy since from last 2 years with ORIENTAL INSURANCE where they have given coverage is for bumper to bumper. The premium paid was nominal and the IDV value was good also there was a road side assistance. No claim bonus is there with the policy.
    Was this review helpful? 0
    , new delhi
    Reviewed on Jul 08, 2019
  • Bajaj Allianz Car Insurance
    "Good policy"
    0.5 4.0/5 "Great!"
    When i purchased my new car, i have bought the car insurance from Bajaj Allianz. I have made th premium amount of Rs. 33000 for the coverage amount of Rs. 9 lakhs. I do not applied for any claim till now. For the premium amount has taken along with the loan amount.
    Was this review helpful? 0
    , kochi
    Reviewed on Jul 06, 2019
  • New India Car Insurance
    "Need to improve the service"
    0.5 4.0/5 "Great!"
    Taken my car insurance from New India. My dealer has given the policy with them and I'm continuing with the same company. I pay the premium amount of Rs. 16000 for the coverage amount of Rs. 7.50 lakhs. I haven't got my no claim bonus. When i informed about the same, they were not ready to provide proper response.
    Was this review helpful? 1
    , kochi
    Reviewed on Jul 06, 2019
  • National Insurance Car Insurance
    "Excellent car insurance policy"
    0.5 4.5/5 "Excellent!"
    I went to the dealer and he had a tie up with the National Insurance company hence i have chosen them. I paid the premium amount of Rs. 22000. They have provided me a coverage amount of Rs. 4 lakhs. They have provided me a hard copy of the documents. Its a zero depreciation policy. I get a facilities of no claim bonus, roadside assistance.
    Was this review helpful? 0
    , rewari
    Reviewed on Jul 05, 2019
  • HDFC Ergo Car Insurance
    "GOOD"
    0.5 4.0/5 "Great!"
    HDFC ERGO GENERAL INSURANCE is the company where i am using the car insurance policy since from last 6 months also the premium paid was nominal added on that the IDV value is nominal with the policy. The policy coverage is for bumper to bumper with the policy.
    Was this review helpful? 0
    , jamnagar
    Reviewed on Jul 05, 2019
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